Investment & Life Insurance
These plans combine a life cover component with a savings or investment component, so part of your premium builds value over the policy term alongside the death benefit.
Protection today, and a fund building for tomorrow
Returns can be linked to market performance (ULIP) or follow a guaranteed structure (endowment), depending on the plan you choose — and some plans offer premium flexibility as your circumstances change.
Policy loans against the accumulated value are available on some plans where permitted, and participating plans can carry bonus or dividend potential on top of the base cover.
Why investment-linked life cover matters
Cover and savings in one plan
Part of your premium builds a fund or cash value over the policy term, alongside the death benefit — one plan doing two jobs.
Return structures to match your risk appetite
A ULIP’s returns are linked to market-based fund performance and carry investment risk; an endowment plan typically offers a more predictable, insurer-declared return.
Value you can borrow against
Some plans permit policy loans against the accumulated value — a source of liquidity you wouldn’t have with pure term cover.
What investment & life insurance covers
Death Benefit
A benefit paid to your nominee, as with any life cover.
Accumulating Fund Value
A fund or cash value that builds over the policy term.
Market-Linked or Guaranteed
Choose ULIP-style market-linked returns or a guaranteed endowment structure.
Policy Loans
Loans against the accumulated value, where the plan permits.
Bonus & Dividend Potential
Participating plans can carry bonus or dividend potential.
Premium Flexibility
Some plans allow premium flexibility as your circumstances change.
Built for people who want cover and a plan for later
Long-Term Savers
Build value over the policy term while staying covered.
Cover-Plus-Returns Seekers
Want a life cover plan that also works toward a return.
Goal-Based Planners
Working toward a specific future cost — education, a home, retirement.
Supported from comparison through claims
Our Digital Insurance Journey is how we work every enquiry, start to finish.
Enquire
Tell us about your protection needs and your savings goals.
Learn & Compare
We explain the difference between plan structures, then compare relevant options across insurers — not just the one paying the highest commission.
Apply & Issue
Your advisor handles the paperwork, liaises with the insurer, and checks the policy before you rely on it.
Renewals & Claims
We stay reachable for renewals, and our Claims Support desk assists when a claim is needed.
Frequently asked questions
Cover that often goes with investment & life insurance
Looking for cover that also builds value?
Talk to an advisor about how Investment & Life Insurance fits your situation — we compare across insurers rather than selling a single product.